Assume anyone asking for your account information for any reason is guilty of scamming you, unless proven innocent. The way to prove innocence is to call them back, or login to your account using numbers or a website that you provide, not them. Don’t release any identifying information while they are contacting you via phone, message or email. You must control the channel.
The best way to predict the future is to invent it.
The only way to truly change is to change your environment.
No man's knowledge here can go beyond his experience.